Approved August 28, effective December 15. Church Mutual's California workers-comp book — 3,458 policyholders and $20.8M in premium — takes an average 14.7% increase, but the average buries the classes that carry it: homeless shelters, camps and clerical exposures all see hikes above 22%. The carrier's own actuarial indication was 27.6% — nearly double the filed rate — so it's collecting barely half of what it says the book needs, and the gap reloads for the next filing. On top of the rate, territory rating factors are reset to the 2025 WCIRB Geo Study, shifting premium by location before the base increase is even applied. Nonprofits, shelters, camps and religious and social-service organizations should model both the class hike and the territory move before renewal, not at it.

Approved August 17, effective March 15, 2027. Two sibling filings, one move: Liberty Mutual raises California commercial-package (liability) rates an average 25.8% across 21,628 policyholders and $68.8M in premium, and lifts a companion general-liability book 26.3% across another 8,519 policyholders and $14.6M — roughly $83.4M of California liability premium re-rated together. The package filing's own indication was 51.9%, so even a 25.8% average is barely half the stated need, and the increase concentrates sharply by geography: base rates spike about 60% in the Bay Area. Coverage tightens alongside the rate — new mandatory Endocrine Disruptors and Respirable Dust/Vapors exclusions and a revised Fungi/Bacteria exclusion apply to both books. Manufacturers, wholesalers, retailers, restaurants, real-estate and repair-shop accounts on Liberty paper in California should expect the rate, the geography and the narrower coverage all at once.